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Does a credit card offer have a 0% intro Apr?

A credit card offer may boast a 0% intro APR, but that doesn’t mean the low rate applies to both purchases and balance transfers. It’s important to be clear on what kind of APR offer you’re getting before applying for the card.

What is a 0% intro Apr?

A 0% intro APR gives the cardholder an incentive to start using the card, since they can put purchases on it and not have to worry about interest, at least in the short term. Sign-up bonuses are another way issuers incentivize people to get in the habit of using the card.

What is a 0% introductory Apr card?

Cards with 0% introductory APR offers typically require good or excellent credit. If lenders are going to forego the opportunity to charge you interest on carried balances for a period of time, they want to ensure you’re capable of making regular, on-time minimum payments and are unlikely to default on the balance.

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